Emergency medical insurance covers expenses like hospital fees, prescriptions and treatment if you have a medical emergency abroad. It protects you if you get sick or have an accident on your St. Maarten trip. This is the most important travel coverage.
Trip cancellation insurance provides reimbursement for forfeited, non-refundable trip expenses if you must cancel for covered unforeseen reasons like illness or family death. It protects your vacation investment.
Baggage insurance reimburses you if your luggage and personal items are lost, damaged or stolen during your travels. It covers replacement costs. Some plans also cover luggage delays.
Flight insurance provides reimbursement for flight expenses you forfeit or additional costs you incur from covered trip interruptions or delays. It protects airfare investments.
Trip cancellation insurance can reimburse thousands you might forfeit if you must cancel due to covered reasons. Medical insurance can protect you from enormous bills if you need medical care abroad. For many, this peace of mind is well worth the small insurance cost.
While travel insurance does add an expense, premiums are generally low compared to the substantial financial risks of traveling without coverage. And if an emergency does strike, the benefits you receive will far exceed the initial cost. Discuss your trip plans with an advisor to learn more.